Banque Marocaine pour le Commerce et l'Industrie

CBSE:BCI Stock Report

Market Cap: د.م7.7b

Banque Marocaine pour le Commerce et l'Industrie Past Earnings Performance

Past criteria checks 1/6

Banque Marocaine pour le Commerce et l'Industrie's earnings have been declining at an average annual rate of -18.5%, while the Banks industry saw earnings growing at 14.7% annually. Revenues have been growing at an average rate of 4.2% per year. Banque Marocaine pour le Commerce et l'Industrie's return on equity is 3.4%, and it has net margins of 8.2%.

Key information

-18.5%

Earnings growth rate

-18.3%

EPS growth rate

Banks Industry Growth3.7%
Revenue growth rate4.2%
Return on equity3.4%
Net Margin8.2%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Banque Marocaine pour le Commerce et l'Industrie makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

CBSE:BCI Revenue, expenses and earnings (MAD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 242,9742452450
30 Jun 242,8441652490
31 Mar 242,9182212540
31 Dec 232,8041712520
30 Sep 232,7713482510
30 Jun 232,7653672520
31 Mar 232,5152282420
31 Dec 222,4932292350
30 Sep 222,5101062460
30 Jun 222,392202380
31 Mar 222,5561662440
31 Dec 212,4811942450
30 Sep 212,3952652360
30 Jun 212,3803482270
31 Mar 212,1302042160
31 Dec 202,1501562110
30 Sep 202,2142342090
30 Jun 202,3173142120
31 Mar 202,5815112130
31 Dec 192,6196052150
30 Sep 192,5805772030
30 Jun 192,5775661920
31 Mar 192,4945131830
31 Dec 182,5495581770
30 Sep 182,5205511810
30 Jun 182,4915441860
31 Mar 182,4925451850
01 Jan 182,4925471850
01 Oct 172,5425331790
30 Jun 172,5925201730
31 Mar 172,5314761720
31 Dec 162,4714311710
30 Sep 162,4634851740
30 Jun 162,4565391760
31 Mar 162,4075201790
31 Dec 152,3575011820
30 Sep 152,2724151820
30 Jun 152,1863291820
31 Mar 152,2393471790
31 Dec 142,2913641760
30 Sep 142,3354291730
30 Jun 142,3794951700
31 Mar 142,4615671710
31 Dec 132,5446401710

Quality Earnings: BCI has high quality earnings.

Growing Profit Margin: BCI's current net profit margins (8.2%) are lower than last year (12.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BCI's earnings have declined by 18.5% per year over the past 5 years.

Accelerating Growth: BCI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BCI had negative earnings growth (-29.5%) over the past year, making it difficult to compare to the Banks industry average (21.7%).

Return on Equity

High ROE: BCI's Return on Equity (3.4%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 01:16
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Banque Marocaine pour le Commerce et l'Industrie is covered by 5 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ranya GnabaAlphaMena
Jaap MeijerArqaam Capital Research Offshore S.A.L.
Dounia FilaliBmce Capital Bourse